Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 14, 2021

Mutual Fund Expert... more

Question by Saikat on Dec 14, 2021Hindi

Listen

Money

I am very new in MFs. Right now I am 33 years old.

I want to continue upto the age of 60 years with a monthly investment of Rs 3,000.

What is the best MF suited for me for a good return?

Ans: You may consider Axis ESG Equity Fund (Growth) and Motilal Oswal Focused 25 Fund (Growth).

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

MoneyReply

You may like to see similar questions and answers below

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Mar 17, 2020

Question by N - Mar 17, 2020Hindi

Listen

Money

I am 46 Years old. I have not started investing in MFs so far. I want to start investing 6K - 8K for now & increase 10 per cent every year for 10 years. & withdraw the money after my retirement in 14 years. Which MF should I invest so that I can maximise my returns for my retirement funds? Kindly guide me so that I can start at least now.

Ans: Equity schemes are best suited for creation wealth in long run and the suitable schemes are as under (Can start SIP of Rs. 1500-Rs. 2000 in each of these 4 funds)

- UTI Equity Fund - Growth

- Axis Focused 25 Fund - Growth

- Motilal 30 mid cap fund – Growth

- LIC MF Large cap fund - Growth

Nikunj Saraf |308 Answers |Ask -Follow

Mutual Funds Expert - Answered on Oct 10, 2022

Question by Sai - Oct 10, 2022Hindi

Listen

Money

Hello Nikunj - I am 40 and wish to start investing in MFs. I can invest up to 1.3 lakh per month. My aim is to continue investing it for next 5 years and have maximum returns. My risk appetite is moderate to high. Please advise which funds I should look at.

Ans: Hello Sai Kumar. Thanks for discussing your requirements. I recommend investing in the following schemes based on all factors:

Quant Flexi Cap Fund -- 40000
Canara Robeco Emerging Equities Growth -- 40000
Axis Mid Cap Fund -- 30000
Nippon India Small cap Fund -- 20000

Total: 130000

Ramalingam Kalirajan |8203 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on May 04, 2024

Asked by Anonymous - Apr 12, 2024Hindi

Listen

Money

I want to invest Rs 7 lakhs lump sum in MF for 5-7 years time. Can you please suggest best MF. I am 57 years old and will superannuate in 3 years time.

Ans: It's wise to plan your investments with retirement on the horizon. Here are some suggestions for your lump sum investment:

Consider a mix of equity and debt mutual funds to balance growth potential with stability.
For equity exposure, opt for diversified equity funds or large-cap funds to minimize risk.
Additionally, allocate a portion to debt funds or hybrid funds to provide stability and income generation.
Given your investment horizon of 5-7 years, focus on funds with a proven track record of consistent performance.
Regularly review your investments and make adjustments as needed based on changes in your financial goals and market conditions.
Remember, investing is a long-term journey, and staying disciplined and diversified is key to achieving your financial objectives.
Consult with a Certified Financial Planner to receive personalized advice tailored to your specific needs and goals.
By carefully selecting mutual funds that align with your risk tolerance, investment horizon, and financial goals, you can work towards building a robust investment portfolio for your retirement years.

Ramalingam Kalirajan |8203 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Dec 21, 2024

Question by PREM - Dec 21, 2024Hindi

Listen

Money

Dear sir, Now i am 60yrs. I have 50 lakhs rupees now. Need to invest in MF , which are the best and give good safe return. Please suggest, regards

Ans: For safe and steady returns, consider balanced advantage funds, large-cap funds, or conservative hybrid funds. Allocate based on your goals and risk tolerance. Consult a CFP or MFD like us for a customised investment plan tailored to your financial needs.

Best Regards,
K. Ramalingam, MBA, CFP,

Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

Latest Questions

Dr Dipankar Dutta |1109 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 08, 2025

Asked by Anonymous - Mar 29, 2025Hindi

Listen

Career

Subject NTA SCORE physic 66 Chemistry 07 Mathematics 86 Total sore 48 this is my jee 2025 January 28 shift1 result can you tell me what total score what is my percentile and overall percentile rank in all session

Ans: Based on previous year trends, a total NTA score of 48 could result in a percentile between 35 to 45 percentile (approx).

Dr Dipankar Dutta |1109 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 08, 2025

Question by Deepa - Mar 29, 2025Hindi

Listen

Career

i got 65 percetile in jee mains am i eligible for adv i am from st category and what will be approx category rank

Ans: Yes! With 65 percentile in JEE Mains and ST category, you have a high chance of qualifying for JEE Advanced.
Generally, for 65 percentile in ST category, the rank is around 8,000 to 12,000 in ST category.

Dr Dipankar Dutta |1109 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 08, 2025

Question by Neha - Apr 07, 2025Hindi

Listen

Career

Sir I scored 87.35 percentile in jee mains session 1 .so,may I started preparing for jee advanced.i am an obc candidate. And I have to pay coaching fees that's why may I able to eligible for jee advanced or not . In April attempt I expect that my marks will improve

Ans: With 87.35 percentile in JEE Mains (OBC category), your chances of qualifying for JEE Advanced are uncertain, but you still have the April session to improve your score.

Dr Dipankar Dutta |1109 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Apr 08, 2025

Question by Murali - Apr 07, 2025Hindi

Listen

Career

My son got CSE seat based on JEE mains score this year in PES ring road campus, Bangalore. We are expecting he may even get RVCE CSE/IS/Cyber/DS also through KCET. Would like to know which of RVCE, PES and BMS colleges can we choose for CS or CS with specialisation branches? Any specific advantage in any of these colleges? Distance to travel is not a concern to any of these colleges. Category: General merit

Ans: If RVCE CSE is available, take it

If not, PES RR CSE is the next best choice

If PES RR CSE is also unavailable, then RVCE IS/CS Specialization

BMSCE is a strong backup if you don’t get the above two.

Prof Suvasish Mukhopadhyay |556 Answers |Ask -Follow

Career Counsellor - Answered on Apr 07, 2025

Question by Akhil - Apr 07, 2025Hindi

Listen

Career

Hello sir/madam, I am now 17 years old, I have done my 10 th, I am good in physics and maths , I am not getting good advice,my family says me to choose pcm ,what stream should I choose for a good job in future? Thank you sir/madam

Ans: Go for PCM. Since you love Physics and Chemistry your interest in Chemistry may be slightly less. Complete 12th Standard with PCM and then seek further guidance. Professor

Archana Deshpande |104 Answers |Ask -Follow

Image Coach, Soft Skills Trainer - Answered on Apr 07, 2025

Asked by Anonymous - Mar 21, 2025Hindi

Listen

Career

How can you handle a coworker who takes ideas from others, dismisses them as silly but later repackages the same idea and presents it before the boss without acknowledging or sharing credit for the inspiration?

Ans: Hi!!

Thankfully this is your co-worker and not your boss. When bosses do this you can do nothing about it....when the co worker does it then you know that you should never share your ideas with them ever again. In the cut throat competitive world why will they share the credits for it with you...!T he way you have asked the question, it shows that you are a good person, good people should not change because of the bad people in the world. So my advice to you is this ...the coworker is selling your ideas.. the boss is liking them, so have faith in yourself and your ideas.
Every bad experience happens so that you become wiser.
Become wise do not share your ideas with people who don't give you credit.

Other option is you talk to him/her assertively, one on one and ask why he/she did this....calling your idea silly and then repackaging it and presenting before the boss. Next time he/she will be careful not to do this to you.

Ravi Mittal |566 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Apr 07, 2025

Asked by Anonymous - Apr 07, 2025Hindi

Listen

Relationship

I am in a serious relationship with a guy I met in my college. I am 29, he is 31. We have been dating for 3 years now. I think we are ready to take this relationship to the next step. I want to get married to him and have some stability, but my partner keeps saying 'let's see where life takes us.' I feel stuck between waiting and moving on. How do I know if I'm being patient or just postponing the inevitable?

Ans: Dear Anonymous,
You are right; it does sound like he is stalling, but then again, we might be wrong. The best way to gain clarity is to ask him about it. Asking directly might cause a conflict, so do it in a more subtle way- ask him where he sees himself in 5 years. If he does not mention you in his plans, it would be an indication that he is not serious about the relationship. And keep note of small things like if he is making small-term plans with him, like a travel plan 3 months later or long-term plans, like a friend’s wedding that will happen one and half years later. These small details can help you get a rough idea of what he is up to. But I want you to remember that all of these are just speculations. You can take your speculations, put it on the table and have a clear discussion.

I hope these help.

Sushil Sukhwani |591 Answers |Ask -Follow

Study Abroad Expert - Answered on Apr 07, 2025

Question by Teja - Mar 25, 2025Hindi

Listen

Career

Hi sir, I'm a Civil Engineer gradute, planning to do my master's in US in the related field for the upcoming intake. Is it the right time to go ahead with this thought under the new government change, unstable economy and safety related issues in US. I want to know the reality and advice to proceed with my thought. Hope to get your expert advice on my situation. Thank you.

Ans: Hello Teja,

First of all, thank you for reaching out to us. I totally get your concerns. It's true that there are uncertainties regarding the situation in the U.S., but the U.S. still offers a lot of opportunities in civil engineering, both in terms of education and career opportunities without showing any signs of slowing down. If you're passionate about your field and you're aiming for a career in the U.S. or internationally, a master's could still be a great move. Just be sure to research the specific universities, their programs, and any changes in the visa or work policies.

For more information you can visit our website: edwiseinternational.com
You can also follow us on Instagram: @edwiseint

Dr Shakeeb Ahmed Khan |153 Answers |Ask -Follow

Physiotherapist - Answered on Apr 07, 2025

Asked by Anonymous - Apr 05, 2025Hindi

Listen

Health

Hi I am Male 40 Years with LBBB & Lvmf -40% is Please guide some exercise to improve both the condition already under doctor supervision is it possible to improve

Ans: Dear Sir. Thank you for your query. I would like to assure you that you can improve your heart function with the right guidance and care. Please visit a nearby physiotherapist who has completed MPT in Cardio Pulmonary Rehabilitation for a personalized and safe exercise plan. I also suggest using a spirometer regularly to strengthen your lungs and support overall cardiovascular health. Since you have LBBB and an LVEF of 40%, it’s essential to follow a structured, medically supervised routine. Start with light activities like walking, stretching, and breathing exercises such as diaphragmatic and pursed-lip breathing. Avoid high-intensity workouts or heavy lifting. With consistency and expert support, many people experience improvement or stabilization in heart function. I wish you quick recovery.

Mayank Chandel |2177 Answers |Ask -Follow

IIT-JEE, NEET-UG, SAT, CLAT, CA, CS Exam Expert - Answered on Apr 07, 2025

Question by Dhivya - Mar 09, 2025Hindi

Listen

Career

Hello sir We are from Bangalore. My son is in 11th std PCMC group. He has choosen integrated coaching in school for JEE preparation. He has given many monthly test for Mains and Advance. He is scoring 50 or 55 out of 100 in Math in mains test . But in physics he is not scoring well. Chemistry ok not so bad as physics. How to motivate him to score more marks? And your opinions and suggestions for his upcoming tests. Thank you

Ans: Hello Dhivya Ji
You need to find out whether he understands Physics well or not. If his understanding is okay, then there is problem with comprehension.
After every test, sit with the physics paper. Identify:
Conceptual mistake
Calculation mistake
Time management issue

Chemistry – Maintain & Sharpen
If Chemistry is “ok,” keep it that way and aim to improve without overburdening him.
Focus more on NCERT-based revision, especially for Inorganic and Organic.

Some Thoughts for You as a Parent
Pressure vs Support: Try to avoid language that sounds like pressure (“You must score more in physics”). Instead, go with encouragement like “I know you can do it, let’s find what’s stopping you.”

Stress Breaks Are Vital: Encourage short breaks with music, a walk, or a favorite hobby.

Talk About the Bigger Picture: Remind him that this is not the only shot at success. Many paths lead to great futures. Take the pressure off and he'll naturally perform better.

I hope this helps. You can connect again in case you need any help.

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x